Medigap Quotes

Medigap quotes from an independent brokerage. No phone number required (Medigap quotes delivered by email). See/hear Client Testimonials to the right. If you want to speak by phone or get a quote by phone, call 877.506.3378.


medigap quote trusted providerYour request for quotes is going to one person at one company (SMS). We are an independent brokerage, and you will receive a list of the Medigap quotes for your age/zip code. As a brokerage, we work with all of the companies so that you can compare. See/hear what our clients have to say.

MEDIGAP QUOTES

Why Should You Get Medigap Quotes?

First and foremost, you should understand the Medigap plans are Federally-standardized. Each company is required to offer the exact same coverage plans that work the exact same way; however, Medigap rates can vary considerably. Comparing the Medigap quotes is an essential part of a sound financial plan if you are going on Medicare or already on Medicare. Read Medicare’s “Choosing a Medigap Policy” booklet.

In many instances, if you have been on a Medigap plan for a number of years, you can save hundreds of dollars per year on premiums by comparing other options. Changing plans is easy to do, especially if you are in relatively good health.

Can You Get Medigap Quotes Online?

There is certainly a great deal of information available about Medigap plans online. However, it is very difficult to find actual quotes and prices for Medigap plans online. The reason for this is two-fold. One, many insurance companies do not allow their rates to be published online. Agents are restricted from providing this information on their websites. For that reason, most agents/agencies choose not to provide any quotes as opposed to showing incomplete information.get medigap quote online

Secondly, most agents/agencies want to gather your phone number and mailing address in order to solicit you in the future. There are very few options that do not require those pieces of information, but we are proud to do business with potential customers the way we like to do business – on our own time schedule and on our own terms. For that reason, getting Medigap quotes online on our website requires on the minimal information needed to provide a quote.

It is essential to use caution when putting your personal information online, as many websites are specifically designed to gather the information then sell it as a “lead” to 7-10 other insurance agents. How do we know that? We know because we used to purchase those “leads”. Then, we realized that there must be a better way. Now, when you request information on Secure Medicare Solutions, your request comes directly to one agent who provides you with a list of Medigap quotes by email for the plans that are available in your area. That way, you can compare on your own time and on your own terms. [Return to top of the page]

When Do You Need Medigap Quotes?

You need Medigap quotes any time you are in a valid enrollment period. This includes when you are turning 65 or going on Medicare for the first time, as well as if you are losing some other type of coverage such as a group plan through an employer. Lastly, you should get quotes to compare Medigap plans if you have been on the same plan for a few years and had a rate increase. In most cases, you can reduce your cost for equivalent coverage if you’ve had a plan for more than 12 months.

In any of these situations, it is crucial to compare your plan options, since the plans are standardized and vary considerably in price. Whether it is us or someone else, you should take the opportunity to compare the plans in a centralized place so you can make an unbiased and informed choice [Request a list of Medigap plans].

Why Should You Get Medigap Quotes from Us?

Great question, glad you asked! We have been doing Medigap plans exclusively for 10+ years now and are recognized as experts in this market. We have worked with tens of thousands of people turning 65 or already on Medicare to compare Medigap plans and choose the best fit for their situation.garrett ball

Because of that, we know how to explain Medicare and Medigap in a straight-forward but detailed way that you can understand. This allows you to understand the plans and make an informed choice that will serve you well in the long-term.

Moreover, working with us gives you both the knowledge and service of dealing with a large, national company while keeping the customized personalization of working with a small business. You will be receiving Medigap quotes and information from Garrett Ball, in most cases, who is the Founder/President of Secure Medicare Solutions – not dealing with a call center agent who is, statistically speaking, 88% likely not to be an insurance agent in 5 years.

How to Compare Medigap Plans?

Comparing Medigap plans may seem overwhelming initially. But actually, it is very straight-forward and easy to do. The primary factors to consider when deciding on a Medigap plan are price and company reputation. But wait, don’t I need to also see if my doctor takes my plan and see which one covers the most?

Actually, Medigap plans are Federally-standardized. This means that all of the companies that offer Medigap plans are required to provide the same coverage and work the same way. They all pay claims through the Medicare “crossover” system, and they all can be used at any doctor or hospital nationwide that takes Medicare. With that in mind, here are the steps you need to follow in order to compare Medigap plans:

  1. Understand the Medigap plan standardization.
  2. Obtain Medigap quotes for your age and zip code. Make sure the quotes include any applicable discounts for which you may qualify.
  3. Choose a plan based on price and company reputation.

That’s it! That’s all there is to it to make an educated, prudent choice for your Medigap plan. If you are ready for the next step, request a Medigap quote above.

Which Medigap Plan to Choose for Your Situation

Once you have your Medigap quotes, the next step is the most important – choosing a Medigap plan based on your specific health, needs, desires and finances. We’ve already established that the plans are standardized, so you can be confident that you are comparing “apples to apples” when you are comparing quotes from Medigap companies.medigap plans

First, you have to decide which plan fits your situation. There is a Medigap coverage chart that shows which plans cover what “gaps” in Medicare. Although there are 10 plans, most companies focus on 3 plans which makes it easy to compare a top, middle and lower coverage level. In short:

  • Plan F is the most comprehensive plan – it pays everything that Medicare does not cover at the doctor/hospital with no co-pays, deductibles or out-of-pocket costs.
  • Plan G is the next step down and is often the best “deal” – it pays all but the Medicare Part B deductible (which is $183/year for 2017)
  • Plan N is a lower level of coverage with more out-of-pocket costs – it does not cover the Medicare Part B deductible and also has co-pays for doctor and emergency room visits. Lastly, it does not cover the Part B Excess charges, which are rare but can occur if a doctor does not accept the Medicare payment schedule

Deciding between these plans is generally the first step. For most people and situations, Plan G is going to be a good fit. In most states, it is $20-30/month less than Plan F. But you should look at the specific quotes for plans available in your zip code to determine which option would work the best for you.

Which Medigap Company to Choose Once You Have Medigap Quotes

Once you have your Medigap quotes in hand and have started to decide on a Medigap plan, it is time to look specifically at the different Medigap companies.

Now, there are certainly many options to choose from. Most people just think about the “brand name” companies that everyone has heard of, which is certainly okay, but there are other options to consider too. In fact, in most cases, the bigger “name” companies also come with a bigger price tag. It is important to have a reputable company, which you can check on by looking at their financial strength ratings, but the name of the company is not a crucial piece of the puzzle when deciding on a Medigap plan.

One good strategy is to ask whichever broker you are using to purchase your plan about the rate increase history of the companies you are considering. In addition to the financial strength ratings and the quotes themselves, this can give you a good idea of which company or companies would be a good fit for you long-term.

Also, note that you are never “locked in” to the same Medigap plan or Medigap company. You can always get quotes and compare your options to change plans. There is not an annual enrollment period for Medigap plans, like many people inaccurately believe there is; however, you can change plans at any time. You do, in most cases, have to answer some general medical questions in order to be eligible to change Medigap plans.

If you are already on Medicare, you can go to the top of this page to get Medigap quotes.